Business income insurance

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Having the right business income insurance can keep you operational and give you peace of mind when you need it most. We know you work hard to avoid property damage, but when the unexpected does happen, we’ll be there.

Many business owners who suffer property damage loss never restart their businesses—they’re unable to cover expenses while their operations are interrupted. By choosing Sentry for your business income insurance, you’ll take an important step toward a successful recovery from property damage.

We know choosing the right insurance for your company is important, which is why we offer a range of modification options that allow you to customize your business income insurance. Several of these options involve indemnity—monthly limits, maximum periods, and extended periods—while others include payroll exclusions, annual business income, and extra expense. Ultimately, you determine your level of coverage, while our experienced agents are available for any questions you have.

After your business has experienced property damage, extra expenses are incurred as you continue your operation—at your regular location or a temporary one—while the loss makes normal operations impossible. Like business income, extra expenses are indirect losses, because the loss amount is determined by the length of time needed to restore or replace the property. Depending on your situation, you may need business income, extra expense coverage, or both. Your Sentry agent will work with you to help you decide on the coverage you need.

Significant figures

$6.25
Total premium

The total premium of first policy sold by Hardware Dealers Mutual Fire Insurance Company of Wisconsin.

1994
First year

In 1994, Sentry reaches $1 billion mark in policyholder surplus.

27
Years

Sentry has received an A+ rating from A.M. Best for 27 years in a row.*